Best Life Insurance in Roseville, CA (November 2024)

In Roseville, California, Protective stands out as the best life insurance provider for men and women. The MoneyGeek score for women is 91, with a monthly premium of $35. For men, the MoneyGeek score is 92, with a monthly premium of $43. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When choosing life insurance, consider factors like coverage amount, term length, and your unique needs. While Protective scores highly, another company might be better suited to your specific situation.

Protective offers the best life insurance in Roseville for men and women, with a MoneyGeek score of 92 out of 100 and a monthly premium of $43 for men, and a score of 91 out of 100 and a monthly premium of $35 for women.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $43 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $53 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 91 out of 100 at $35 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $44 per month for women

Protective stands out for its high MoneyGeek scores and affordable premiums. This makes it an excellent choice for the average individual looking to purchase life insurance in Roseville. The company's strong customer satisfaction and financial stability scores further reinforce its reliability.

Protective stands out as the provider with the best term life insurance in Roseville for men and women, with a MoneyGeek score of 92 and offering monthly premiums of $22 for men and $19 for women. This score reflects the company's commitment to affordability, customer satisfaction, financial stability and product diversity.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $22 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $27 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $19 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for women

Term life insurance is a straightforward protection plan, offering coverage for a specified period. It's an ideal choice for those who seek financial security for their loved ones without the long-term commitment or higher premiums of whole life insurance. For example, a parent might opt for term life insurance to ensure their children's education costs are covered in the event of an untimely passing.

The best whole life insurance in Roseville is from Protective, with a MoneyGeek score of 92 for men and women. This score reflects a balance of affordability, customer satisfaction and financial stability.

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

Whole life insurance offers a permanent solution with a fixed premium and a cash value component, which can serve as a financial asset over time. For instance, someone interested in estate planning might choose whole life insurance for its potential to provide a legacy for beneficiaries.

Protective provides the best universal life insurance in Roseville for men and women, with a MoneyGeek score of 91. The company's high scores across multiple categories reflect its commitment to customer satisfaction, affordability and financial stability.

The top providers for men are:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

The top providers for women are:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For instance, someone might choose a universal life policy over term life insurance for its potential to accumulate cash value, which can be a financial resource during retirement.

Protective provides the best life insurance with no mandatory medical exam in Roseville for men and women, with a MoneyGeek score of 91. This score indicates that Protective excels in affordability, customer satisfaction, financial stability and product diversity.

The top providers for men are:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

The top providers for women are:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

No-medical-exam life insurance allows individuals to obtain coverage without undergoing a physical examination. This can be particularly beneficial for those who need quick coverage or have health issues that might disqualify them from traditional policies. For example, a busy parent with a minor health condition might choose this insurance to ensure they can secure coverage without delay.

When seeking the best term life insurance for seniors in Roseville, Protective stands out for men and women. With a MoneyGeek score of 91 and a monthly premium of $103 for men, and a score of 90 with a $91 premium for women, Protective offers a compelling balance of cost and quality.

Age is a determining factor in insurance premiums; as people age, the risk to insurers increases, often resulting in higher premiums. Protective's high MoneyGeek score reflects its competitive pricing, robust customer satisfaction, and financial reliability, essential for seniors prioritizing security and value in their life insurance selection.

In Roseville, Mutual of Omaha stands out as the provider of the best term life insurance for smokers, scoring a MoneyGeek Score of 91 for men and 89 for women. The monthly premium is approximately $112 for men and $108 for women.

Smoking factors into life insurance costs due to the increased health risks it presents. Insurers assess these risks and typically charge higher premiums to smokers. Mutual of Omaha's top ranking reflects its strong performance across various metrics, including customer satisfaction and financial stability.

The best term life insurance for young adults in Roseville is offered by Protective, with a MoneyGeek score of 92 and monthly premiums of $13 for men and $12 for women.

Age plays a significant role in the cost of premiums, as younger adults typically pay lower rates due to lower risk factors. Protective stands out with its high affordability, customer satisfaction, and financial stability scores.

For the best cheap term life insurance in Roseville, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $17. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of $16. Nationwide scores high due to its easy buying process and affordability, while Protective excels in customer satisfaction and financial stability.

Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

The average monthly premium for term life insurance in Roseville is $33 for women and $41 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount and policy term. Each of these factors can influence the risk profile of the insured individual, thereby affecting the premium cost.

Life insurance costs in Roseville may be different from the rest of California due to local health trends, economic factors and specific risk factors in the area. For example, if Roseville has a higher prevalence of certain health conditions or a higher cost of living, these could contribute to higher premiums. Conversely, if the area has lower risk factors or better health outcomes, premiums might be lower.